BlastPoint's Credit Union Scorecard

PROFED

Charter #17012 · IN

Community 750M-1B

117 CUs in 750M-1B nationally 5 in IN

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PROFED has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 32.2% in tier
+ ROA 0.45% above tier average
+ Net Interest Margin 0.13% above tier average
+ Total Delinquency Rate (60+ days): Top 6.8% in tier
+ Net Charge-Off Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 40.9% in tier
- Credit Quality Pressure: Bottom 45.9% in tier
- Credit Risk Growth: Bottom 47.1% in tier
- Membership Headwinds: Bottom 68.4% in tier
- Stagnation Risk: Bottom 68.4% in tier
- Efficiency ratio 0.13% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 6.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	64,547 -1.6% YoY+0.5% QoQ	+13.0K	51,500 +0.7% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	83%
Assets	$781.0M +5.1% YoY+3.5% QoQ	$-84.6M	$865.6M +0.9% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	Bottom 14.5% in tier
Loans	$522.9M +3.6% YoY+0.9% QoQ	$-72.3M	$595.3M +1.6% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	26%
Deposits	$672.7M +4.1% YoY+3.4% QoQ	$-69.5M	$742.2M +0.6% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	17%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +3.3% YoY-10.7% QoQ	+0.4%	0.8% +45.0% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	81%
NIM	3.6% +1.5% YoY-0.6% QoQ	+0.1%	3.5% +6.1% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	75.7% -1.1% YoY+2.9% QoQ	+0.1%	75.5% -3.4% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	0.2% +27.8% YoY-37.3% QoQ	-0.5	0.7% -0.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	Top 6.8% in tier
Loan To Share	77.7% -0.5% YoY-2.4% QoQ	-2.9%	80.6% +0.7% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	34%
AMR	$18,523 +5.5% YoY+1.8% QoQ	$-10K	$28,908 +0.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	Bottom 6.0% in tier
CD Concentration	20.1% -0.2% YoY-3.0% QoQ	-4.2%	24.3%	18.9%	19.8%	36%
Indirect Auto %	17.4% -8.4% YoY-0.1% QoQ	+3.6%	13.8%	10.4%	7.7%	67%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#429 of 491 • Top 32.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.55%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#353 of 504 • Bottom 40.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.13%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 17.39%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#422 of 570 • Bottom 68.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#612 of 727 • Bottom 45.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#422 of 476 • Bottom 47.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.61%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Stagnation Risk

risk

#521 of 570 • Bottom 68.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.58%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.61%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.17%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 117 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: 0.56%

#9 of 117 Top 6.8% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.47%

#10 of 117 Top 7.7% in 750M-1B tier

Total Members

engagement

Value: 64,547

Peer Median: 51,712

#20 of 117 Top 16.2% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Median: 0.63%

#22 of 117 Top 17.9% in 750M-1B tier

Net Worth Ratio

risk

Value: 12.95%

Peer Median: 10.69%

#24 of 117 Top 19.7% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.10%

Peer Median: 26.77%

#26 of 117 Top 21.4% in 750M-1B tier

Top Weaknesses (5 metrics)

110

Average Member Relationship (AMR)

engagement

Value: $18,523

Peer Median: $26,209

#110 of 117 Bottom 6.8% in 750M-1B tier

107

Loan-to-Member Ratio (LMR)

engagement

Value: $8,101

Peer Median: $11,598

#107 of 117 Bottom 9.4% in 750M-1B tier

103

First Mortgage Concentration (%)

balance_sheet

Value: 52.08%

Peer Median: 32.60%

#103 of 117 Bottom 12.8% in 750M-1B tier

100

Total Assets

balance_sheet

Value: $781.00M

Peer Median: $858.87M

#100 of 117 Bottom 15.4% in 750M-1B tier

Total Deposits

balance_sheet

Value: $672.68M

Peer Median: $735.65M

#97 of 117 Bottom 17.9% in 750M-1B tier